BajaNomad

FMM AND MEX INSURANCE

BAJA.DESERT.RAT - 1-22-2018 at 12:23 PM

hola,

i know this has been a topic of discussion before but i don't remember the outcome. this has come up on another website.

if a person gets into an accident in baja and doesn't have an fmm, does this invalidate his mex insurance ?

BIEN SALUD, DA RAT

StuckSucks - 1-22-2018 at 12:32 PM

I never get a visa. When I was there in November I hit a cow and the insurance will handle. I know of other accidents, first hand, where this was also the case.

I expect to hear differing opinions ...

Chup - 1-22-2018 at 12:33 PM

Per this link: http://www.discoverbaja.com/fmm-faqs/

Do I have to get a FMM tourist permit when I go to Baja?

Yes. Mexican law requires that tourists from the U.S. and Canada have an FMM tourist permit for any trip into Baja. You may encounter INM checkpoints along the peninsula where they will ask to see your passport and FMM.If you get into an accident in Mexico and you don’t have an FMM tourist permit, you are not considered to be in accordance with Mexican law, and therefore your Mexican auto insurance can be rendered invalid.Each individual must have their own FMM, including children ages two and up.

[Edited on 1-22-2018 by Chup]

willardguy - 1-22-2018 at 12:39 PM

from what bajabound says, at least with the company they use, the answer is NO.

woody with a view - 1-22-2018 at 12:44 PM

Quote: Originally posted by Chup  
Per this link: http://www.discoverbaja.com/fmm-faqs/

Do I have to get a FMM tourist permit when I go to Baja?

Yes. Mexican law requires that tourists from the U.S. and Canada have an FMM tourist permit for any trip into Baja. You may encounter INM checkpoints along the peninsula where they will ask to see your passport and FMM.If you get into an accident in Mexico and you don’t have an FMM tourist permit, you are not considered to be in accordance with Mexican law, and therefore your Mexican auto insurance can be rendered invalid.Each individual must have their own FMM, including children ages two and up.

[Edited on 1-22-2018 by Chup]


Let’s see, I bet DB sells visas that you can get free at any border. Wonder if that has anything to do with their viewpoint?

bajaguy - 1-22-2018 at 12:55 PM

Do you want to take the chance of injury to another person while you are in the country illegally??

Why bother to get the insurance??

sancho - 1-22-2018 at 01:39 PM

Quote: Originally posted by bajaguy  
Do you want to take the chance of injury to another person while you are in the country illegally?











In regard to Bajabound, they use 2 Mex Ins. Co's that I know,
ACE has in the policy you print out, under exclusions, they state
one has to be in the country, Mex, legally for the policy to be valid.
Never have heard of any Mex Ins Co. using that to deny a claim
but it is there. I can see in the event of an incident, a serious
Mordida leverage by Policia. With an injury accident, vehicle
impoundment, deportation are on the table, the way I look at
it, likely? Probably not

willardguy - 1-22-2018 at 02:08 PM

Quote: Originally posted by willardguy  
from what bajabound says, at least with the company they use, the answer is NO.


this from bajabound.....

"The insurance companies we sell, Chubb Seguros and HDI Seguros, do not require you to have a valid FMM card in order to pay a claim.
I am not sure about other companies.
To be legally in Mexico, you are required to have a valid FMM. FMM's are free if you are in Mexico for 7 days or less.
Mexican law requires you to have one (even though often times it's not enforced at the border), but the companies we sell will not deny a claim if you do not have one.
Please let me know if you have any questions!
Thank you,
Sonia Dominguez • Customer Service Agent"

Paco Facullo - 1-22-2018 at 03:03 PM

FFS, the 180 day visa is all of about $25 ( 500 pesos )

Why in heavens name wouldn't everyone get one ???

Are people THAT cheap ????

willardguy - 1-22-2018 at 04:04 PM

Quote: Originally posted by Paco Facullo  
FFS, the 180 day visa is all of about $25 ( 500 pesos )

Why in heavens name wouldn't everyone get one ???

Are people THAT cheap ????


choice?;)

bajaguy - 1-22-2018 at 05:09 PM

Apparently those think the law doesn't apply to them


Quote: Originally posted by Paco Facullo  
FFS, the 180 day visa is all of about $25 ( 500 pesos )

Why in heavens name wouldn't everyone get one ???

Are people THAT cheap ????

willardguy - 1-22-2018 at 08:14 PM

Quote: Originally posted by bajaguy  
Apparently those think the law doesn't apply to them


Quote: Originally posted by Paco Facullo  
FFS, the 180 day visa is all of about $25 ( 500 pesos )

Why in heavens name wouldn't everyone get one ???

Are people THAT cheap ????


choice?;)

BajaDave - 3-22-2018 at 05:27 PM

Quote: Originally posted by Paco Facullo  
FFS, the 180 day visa is all of about $25 ( 500 pesos )

Why in heavens name wouldn't everyone get one ???

Are people THAT cheap ????


They may be. But more than likely they don't relish the inconvenience of finding a place to park and getting it validated as they cross the border. Tecate, for example, doesn't have convenient parking close to the office.

norte - 3-22-2018 at 05:45 PM

I don't know why people would not get one. Ask Sucksucks above. He is proud of the fact he does not get one.

David K - 3-22-2018 at 06:00 PM

Quote: Originally posted by StuckSucks  
I never get a visa. When I was there in November I hit a cow and the insurance will handle. I know of other accidents, first hand, where this was also the case.

I expect to hear differing opinions ...


I hope you are being technical, as the FMM is not a visa, but a tourist permit, required of every American or Canadian visitor, even if for just an hour of shopping in TJ! It is silly because in no way could they issue tourist cards to everyone driving into Mexico, but they haven't figured another way to prevent gridlock at the border.

A reminder, not long ago, there was a BORDER ZONE where you could go for up to 3 days without the bureaucracy getting involved. The minority of travelers into deeper Mexico could get the tourist cards at the border (or many years ago, at checkpoints set up just for this purpose south of the BORDER ZONE.

It almost seems that this BORDER ZONE is unofficially honored as the pressure for motorists to pull over at the border is not happening? That is a good thing or we may never get into Mexico again without a day or longer wait, southbound!

Alm - 3-22-2018 at 06:05 PM

Quote: Originally posted by BajaDave  
more than likely they don't relish the inconvenience of finding a place to park and getting it validated as they cross the border. Tecate, for example, doesn't have convenient parking close to the office.

It appears that most people at this forum use San Ysidro. There is no problem with parking before the gates there.

Few reasons why people still do this: sporting interest to save 25 bucks, misplaced feeling of being above the law, could be something else too. Here is a better yet idea for "sportsmen" - don't buy the insurance.

del mar - 3-23-2018 at 11:31 AM

why would any of you care if someone chose not to stop for an FMM, how does this impact you?:?:

sancho - 3-23-2018 at 01:43 PM

Quote: Originally posted by del mar  
why would any of you care if someone chose not to stop for an FMM, how does this impact you?:?:











Don't see anyone claiming it impacts them directly. But in
the long run, if Mex Imm got tired of tourists ignoring their
regs, they could make it more difficult. It is extremely easy
to visit Mex, not to mention it is courtesy, the right thing
to do, that is hard to explain to some

willardguy - 3-23-2018 at 02:57 PM

Quote: Originally posted by del mar  
why would any of you care if someone chose not to stop for an FMM, how does this impact you?:?:


it doesn't impact em and its none of their business who stops for an FMM and who doesn't. right now there's hundreds of spring break revelers in town, how many are carrying FMM's...who cares?

What's your point??

thebajarunner - 3-24-2018 at 12:13 PM

Quote: Originally posted by del mar  
why would any of you care if someone chose not to stop for an FMM, how does this impact you?:?:


Mostly on this board (but not always) people are seeking information and some of us are here to help.... then when we need help others are here to pitch in.
If you want "feelings" go hang out with the ladies on Facebook.

As to the question...
San Ysidro has a huge easy parking lot
Couple weeks ago we crossed at Calexico in a very long line of traffic and found a parking place a whole block away. Gave a guy in the street a buck for waving me in and he was grateful
Have not crossed SB lately at Tecate so don't know the difficulty. I know some folks park on the US side and walk across to get the FMM. Plenty of parking in Tecate California.